Refinance Rates: Current Refinancing Rates Weakening, 30 Year Rates at 4.12%

Refinance rates continue to weaken and head lower today. 30 year refinance rates have declined for the third consecutive day after making new highs in October. Current 30 year refinance rates are averaging 4.12%, down from yesterday's average 30 year refinance rate of 4.15% Today's 15 year refinance rates are also lower averaging 3.40%, a decline from yesterday's average 15 year refinancing rate of 3.45%.

Compare refinance rates today from from multiple lenders by using our refinance rate tables here:  Refinance Rates Today. Unlike most websites, no personal information is needed to view a list of refinance rates.



30 year jumbo refinance rates are averaging 4.51%, a decline from yesterday's average 30 year jumbo refinance rate of 4.59%. Current 15 year jumbo refinance rates are averaging 3.76%, a decline from yesterday’s average 15 year jumbo refinancing rate of 3.82%.

Following is a more in-depth refinance rate report released yesterday by MonitorBankRates.com

Refinance Rates


Conventional Adjustable Refinance Rates Todays


1 year adjustable today's refinance rates are averaging 3.75%, up from last week’s average 1 year adjustable jumbo refinance rate of 3.72%.

3 year adjustable refinance rates today are averaging 2.75%, down from last week’s average 3 year adjustable refinance rate of 2.76%.

5 year adjustable refinancing rates are averaging 3.06%, a decrease from the prior week’s average 5 year adjustable refinance rate of 3.15%.

Current 7 year adjustable refi rates are averaging 3.11%, down from the previous week’s average 7 year adjustable refi rate of 3.19%.

10 year adjustable refinancing rates currently are averaging 3.58%, down from last week’s average 10 year adjustable rate of 3.60%.

Adjustable Jumbo Today's Refinance Rates


Current 1 year jumbo adjustable loan refinance rates are at 4.05%, no change from last week’s average adjustable jumbo refinance rate.

3 year adjustable jumbo refinance rates today are averaging lower at 3.56%, an increase from last week’s average 3 year jumbo adjustable refinance rate of 3.40%.

5 year adjustable jumbo refinance rates currently are averaging 3.02%, down from last week’s average jumbo adjustable refinance loans rate of 3.11%.

7 year jumbo adjustable refinance home loan rates today are averaging 3.66%, down from last week’s average 7 year adjustable refinance home rate of 3.69%.

10 year jumbo home refinance rates are averaging 3.97%, down from the prior week’s average 10 year jumbo refinance rates of 4.02%.

Conventional IO Current Adjustable Refinance Rates Today


3 year interest only adjustable refinance rates and are averaging 3.11%, down from last week’s average interest only refinance rate of 3.31%.

5 year IO adjustable loan refinance rates today are averaging 3.24%, down from last week’s average five year interest only  home refinance rate of 3.45%.

7 year interest only adjustable loan refinance rates are averaging 3.45%, down from last week’s average 7 year interest-only refinance rates of 3.47%.

Jumbo Interest Only Today's Refinance Rates


Today’s 3 year jumbo refinancing rates are averaging 3.78%, down from last week’s average jumbo adjustable interest only refinance rate of 3.57%.

Current 5 year adjustable jumbo interest only refinance rates are averaging 3.53%, up from last week’s average IO home refinance rate of 3.52%.

Today’s 7 year jumbo interest only adjustable refinance rates are averaging 3.88%, up from last week’s average jumbo 7 year home refinance loan rate of 3.82%.

Use our free refinance calculator to help you make the right refinancing decision.
Loan Term
Lender
APR / Rate
Payment
Fees and Points
 
PADDIO
NMLS #1907
6.252%
15-Year Fixed
5.990%
$3,374 /mo
$6,752
Includes 0.813 points for $3,252
Lender Fees: $3,500
PADDIO
NMLS #1907
7.281%
30-Year Fixed
7.125%
$2,695 /mo
$6,252
Includes 0.688 points for $2,752
Lender Fees: $3,500
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes or insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

Mortgage Rates December 1, 2023

Lender
Product
Rate
APR
Points
30-Year Fixed FHA
7.250%
9.002%
0.000
30-Year Fixed
8.375%
8.498%
0.000
30-Year Fixed
8.250%
8.411%
0.000
5/6M SOFR ARM
8.250%
8.361%
0.000
20-Year Fixed
8.150%
8.354%
0.000
1-Year ARM
6.750%
8.270%
0.000
5-Year Jumbo ARM
6.125%
8.217%
2.000
5Y/6M ARM
7.625%
8.178%
0.926
10-Year ARM
8.000%
8.174%
0.000
30-Year Fixed
8.000%
8.000%
0.000
5-Year ARM FHA
5.750%
7.995%
2.000
7Y/6M ARM
7.375%
7.983%
0.963
7-Year ARM
7.500%
7.959%
0.000
30-Year Fixed
7.875%
7.957%
0.250
10Y/6M ARM
7.500%
7.951%
0.864
20-Year Fixed
7.625%
7.929%
0.677
30-Year Jumbo Fixed
7.750%
7.911%
1.000
5/6 ARM
7.625%
7.884%
0.000
30-Year Fixed
7.750%
7.833%
0.000
5-Year ARM
6.250%
7.829%
2.000
30-Year Fixed Jumbo
7.750%
7.760%
0.000
20-Year Fixed
7.500%
7.747%
0.000
15-Year Fixed
7.500%
7.746%
0.000
30-Year Fixed
7.625%
7.740%
0.000
20-Year Fixed
7.500%
7.735%
1.000
5/1 ARM Jumbo
7.000%
7.705%
0.000
5/6 ARM
6.750%
7.700%
0.500
30-Year Fixed Jumbo
7.250%
7.700%
0.500
30-Year Fixed
7.500%
7.691%
0.000
15-Year Fixed
7.500%
7.682%
0.000
30-Year Fixed
7.500%
7.682%
1.000
30-Year Fixed
7.625%
7.669%
0.000
5/1 ARM
6.875%
7.668%
0.000
5/1 ARM
6.750%
7.643%
0.725
5/6 ARM Jumbo
6.750%
7.640%
0.500
10/6 ARM
7.250%
7.640%
0.000
7/6 ARM
7.000%
7.632%
0.000
15-Year Fixed
7.625%
7.625%
0.000
5/6 Month ARM
6.750%
7.623%
1.000
3-Year ARM
7.000%
7.605%
0.000
5-Year ARM
7.250%
7.600%
0.000
10-Year Fixed
7.250%
7.591%
0.000
30-Year Fixed
7.500%
7.577%
0.000
7/1 ARM
7.000%
7.577%
0.000
30-Year Fixed
7.500%
7.573%
0.000
7/1 ARM Jumbo
6.999%
7.570%
0.000
10/6 ARM
7.125%
7.560%
0.500
15-Year Fixed
7.375%
7.558%
0.000
30-Year Fixed
7.250%
7.554%
22.000
30-Year Fixed FHA
6.625%
7.525%
2.000
30-Year Fixed
7.375%
7.524%
1.000
10-Year Fixed
7.125%
7.524%
1.000
7/6 ARM
6.750%
7.520%
0.500
30-Year Fixed
7.500%
7.514%
0.000
30-Year Fixed
7.500%
7.512%
0.000
30 Year Fixed
7.250%
7.509%
0.939
15-Year Fixed
7.375%
7.505%
0.000
10/6 ARM Jumbo
7.125%
7.500%
0.500
30-Year Fixed
7.125%
7.489%
2.000
7/6 Month ARM
6.750%
7.484%
1.000
15-Year Fixed
7.250%
7.480%
0.000
7/6-Month ARM
6.500%
7.464%
1.000
20-Year Fixed Jumbo
7.250%
7.462%
0.815
30-Year Fixed
7.375%
7.462%
0.000
7/6 ARM Jumbo
6.750%
7.460%
0.500
15-Year Fixed
7.375%
7.444%
0.000
30-Year Fixed
3.375%
7.442%
0.000
30-Year Fixed FHA
6.625%
7.440%
1.000
30-Year Fixed
7.375%
7.424%
0.000
7/6 ARM
6.500%
7.419%
0.719
10/1 Jumbo ARM
6.875%
7.409%
0.840
30-Year Fixed Jumbo
7.250%
7.408%
1.000
30-Year Fixed Jumbo
7.250%
7.403%
0.640
30-Year Fixed
7.250%
7.393%
0.000
30-Year Fixed
7.250%
7.385%
0.000
30-Year Fixed
7.300%
7.381%
0.000
15-Year Fixed
7.350%
7.379%
0.000
5/1 ARM
6.125%
7.371%
0.000
30-Year Fixed
7.250%
7.361%
0.000
5/1 Jumbo ARM
6.750%
7.359%
0.690
7/1 Jumbo ARM
6.500%
7.359%
0.690
20-Year Fixed
7.250%
7.354%
0.000
20-Year Fixed
7.250%
7.343%
0.000
30-Year Fixed
7.125%
7.334%
1.000
30-year Fixed
7.250%
7.320%
0.500
7/6-Month ARM Jumbo
6.375%
7.317%
1.000
30-Year Fixed
7.125%
7.316%
0.000
30-Year Fixed Jumbo
7.250%
7.298%
0.000
10/6 ARM
6.625%
7.294%
0.949
15-Year Fixed Jumbo
7.125%
7.270%
0.500
20-Year Fixed Jumbo
7.125%
7.260%
0.500
30-Year Fixed FHA
6.375%
7.257%
2.000
5/1 ARM
5.500%
7.250%
0.000
15-Year Fixed
7.125%
7.246%
0.000
15-Year Fixed Jumbo
7.000%
7.246%
0.650
15-Year Fixed
7.125%
7.240%
0.500
15-Year Fixed
7.000%
7.215%
0.000
30-Year Fixed
6.875%
7.204%
1.000
10/6 Interest Only Jumbo ARM
6.375%
7.204%
1.000
15-Year Fixed FHA
6.125%
7.202%
2.000
30-Year Fixed
7.125%
7.197%
0.000
15-Year Fixed
7.000%
7.188%
0.625
10-Year Fixed
6.875%
7.187%
0.000
7/1 ARM
7.000%
7.186%
0.000
20-Year Fixed
7.000%
7.181%
0.000
30-Year Fixed
7.000%
7.177%
1.000
15-Year Fixed
6.875%
7.173%
1.375
30-Year Fixed
6.875%
7.167%
1.875
10-Year Fixed
7.000%
7.160%
0.500
20-Year Fixed
7.125%
7.141%
0.000
20-Year Fixed
7.000%
7.139%
0.000
15-Year Fixed
6.875%
7.098%
0.000
30-Year Fixed
6.875%
7.084%
0.875
15-Year Fixed
6.750%
7.084%
1.000
30-Year Fixed
7.000%
7.084%
0.375
30-Year Fixed
7.000%
7.070%
0.000
15-Year Fixed
6.990%
7.067%
0.000
30-Year Fixed
6.750%
7.050%
1.000
30-Year Fixed
6.875%
7.031%
0.704
15-Year Fixed
6.750%
7.029%
1.000
30-Year Fixed
6.875%
7.020%
1.000
15-Year Fixed
6.875%
7.013%
0.000
20-Year Fixed
6.750%
7.010%
1.000
30-Year Fixed FHA
6.250%
6.998%
2.000
15-Year Fixed
6.875%
6.997%
0.000
30-Year Fixed
6.750%
6.996%
2.000
30-Year Fixed
6.875%
6.988%
0.000
15-Year Fixed
6.750%
6.984%
1.000
5-Year ARM
6.750%
6.983%
0.000
30-Year Fixed Jumbo
6.875%
6.978%
1.000
20-Year Fixed
6.875%
6.970%
0.500
15-Year Fixed
6.375%
6.961%
2.125
30-Year Fixed
6.740%
6.924%
0.000
15 Year Fixed Jumbo
6.750%
6.924%
1.000
30-Year Fixed VA
6.375%
6.921%
2.125
15-Year Fixed
6.750%
6.917%
0.000
20-Year Fixed
6.500%
6.890%
2.000
30-Year Fixed
6.750%
6.875%
0.390
15-Year Fixed
6.500%
6.873%
0.875
15-Year Fixed
6.375%
6.871%
2.000
15-Year Fixed
6.750%
6.865%
0.000
20-Year Fixed
6.750%
6.839%
0.000
30-Year Fixed
6.625%
6.825%
1.000
15-Year Fixed
6.750%
6.803%
0.000
15-Year Fixed
6.500%
6.795%
0.000
30-Year Fixed Jumbo
6.625%
6.795%
1.250
30 Year Jumbo Fixed
6.625%
6.781%
1.125
15-Year Fixed
6.750%
6.772%
0.000
30 Year Fixed Jumbo
6.625%
6.756%
1.000
30-Year Fixed
6.650%
6.750%
0.000
30-Year Fixed Jumbo
6.625%
6.744%
1.250
30-Year Fixed Jumbo
6.500%
6.722%
2.000
30-Year Fixed VA
6.375%
6.710%
1.000
15-Year Fixed
6.625%
6.699%
0.000
20-Year Fixed
6.500%
6.696%
0.670
30-Year Fixed
6.625%
6.670%
0.000
30-Year Fixed
6.250%
6.647%
1.000
15-Year Fixed
6.375%
6.641%
0.802
15 Year Fixed
6.250%
6.631%
0.802
15-Year Fixed
6.125%
6.617%
2.000
15-Year Fixed
6.500%
6.609%
0.000
30-Year Fixed FHA
5.625%
6.567%
1.125
20-Year Fixed
6.500%
6.559%
0.000
30-Year Fixed Jumbo
6.375%
6.495%
0.250
30-Year Fixed
6.375%
6.495%
0.250
15-Year Fixed
6.000%
6.480%
1.000
15-Year Fixed Jumbo
5.875%
6.473%
2.000
15-Year Fixed Jumbo
6.250%
6.448%
0.250
15-Year Fixed
6.250%
6.397%
1.000
15-Year Fixed
6.125%
6.381%
0.765
15-Year Fixed
6.000%
6.279%
1.000
3/5 Jumbo ARM
5.000%
6.247%
0.250
3/5 Conforming ARM
5.000%
6.237%
0.250
7/1 ARM
6.500%
6.218%
0.000
15-Year Fixed
6.000%
6.197%
0.250
5/5 Jumbo ARM
5.250%
6.139%
0.250
5/5 ARM
5.250%
6.139%
0.250
3/1 ARM
6.000%
5.892%
0.000

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

 
 
Author: Jason P. Jones
October 19th, 2011
Posted in: Bank Mortgage Rates